When you're on your road trip, you might find somewhere nice enough that you decide to stick around for a bit and rent an apartment. If this is your first apartment, you've probably never thought about insurance. While you were living at home with your folks, you were covered under the home insurance they took out on their home. Now, however, you're on your own and you should take steps to make sure that your possessions are protected wherever you live.

Most people who have signed a condo or apartment rental contract probably don't know that they need to buy insurance. Since someone else owns the property, aren't they responsible for whatever happens to your stuff while you're living there? No, they are not. If there is a fire or a flood or a break in, your landlord is only required to repair the living space, not compensate you for the loss or damage of your belongings. Many renters are caught out this way and end up losing everything in apartment fires.

To keep this from happening to you, you need to get a renter's insurance policy. Also known as tenant insurance, this type of policy covers your belongings in case something disastrous happens in your home. There can be many dangers to renters, from fires to break ins to burst pipes to the occasional tornado, so it is never a good idea to trust fate not to deliver a disaster onto your doorstep, especially when you can protect yourself from it for about $100 per year.

You can get tenant insurance online or from any reputable insurance broker or company. Simply make an appointment to talk to a representative. They will go over your options with you. Your insurance premiums may be different depending on whether you're renting a house or a room in a house, how old the building is, and what safety precautions the landlord has installed. You can also take out different amounts of insurance depending on how much you think your belongings are worth.

It's important that you read over all the details of a policy. Some policies only cover certain occurrences (floods are commonly left off the list). You should also check to see if you need insurance, because if you're simply renting a home while on vacation or staying in an apartment in college while your permanent address remains at a house, you may still be covered by the house insurance policy.

Some businesses we know

Dufferin Rogers Dental Clinic Family Dentist & Dental Implants
2032 Dufferin St, York, ON M6E 3R5
(416) 658-3384

Trinity Family Dental Clinic Whitby
185 Thickson Rd, Whitby, ON L1N 6T9
(905) 579-5551

TPI Personal Injury Lawyers
2800 Skymark Ave #503, Mississauga, ON L4W 5A6
(905) 361-1500

Uptown Yonge Dental
2717 Yonge St, Toronto, ON M4N 2H8
(416) 487-3333

Adelaide Barks Dog Daycare and Boarding
23550 Highbury Ave N, London, ON N0M 1P0
(519) 854-1214

Super Steam London Carpet & Air Duct Cleaning
1020 Hargrieve Rd #10, London, ON N6E 1P5
(519) 857-9444

Green Collar Landscaping and In-Ground Pool Installation
1632 Wilson St. West Ancaster, Ontario L0R 1R0
(289) 339-8746

Ike's Asphalt Driveway Paving Company and Paving Contractor
4288 ON-3, Simcoe, ON N3Y 4K4
(519) 280-3122

Glenn D. Godfrey & Co. LLP Law Firm
3rd Floor, 35 Barrack Road, Belize City, Belize
+501 223-3530

Elev8 Aesthetic Medicine Inc. Botox Lip Fillers, Microneedling and PRP for Hair Loss
123 Pioneer Dr Building J, Unit #2, Kitchener, ON N2P 2A3
(519) 748-7284

Davidson's Jewellers
790 Bank St, Ottawa, ON K1S 3V6
(613) 234-4136

Easy House Loan Mortgage Broker
940 The East Mall Suite 202, Etobicoke, ON M9B 6J7
(647) 613-3279

Law Offices of Leonard F. Baer, PLLC - Elder Law Firm
1571 Bowery Rd, Highlands, NC 28741
1 828-371-0383

A to Z Storage, Self Storage Units, Boat & Car Storage
28607 Centre Rd, Strathroy, ON N7G 3H8
(519) 299-0179

Shamrock Pest Management
35 Walker St, Grand Bend, ON N0M 1T0
(289) 668-8062

Forest City Bounce & Party Rentals - Bouncy Castle and Party Inflatable Rentals
1020 Hargrieve Rd #10, London, ON N6E 1P5
(519) 200-0402

Copper Creek Construction, Decks, Sheds & Fence Contractor
43774 ON-3, Wainfleet, ON L0S 1V0
(289) 931-5074

ProXpedite Inc. Commercial Kitchen Installations
4226 Raney Crescent, London, ON N6L 1C3
877-776-9123

Cannect Home Equity Loans
1006 King St W, Toronto, ON M6K 3N2
(416) 214-9000

Cannect Home Financing Mortgage Broker
81 Navy Wharf Ct, Toronto, ON M5V 3S3
(416) 766-2666

Cannect Private Mortgages & Small Business Loans
33 Gladstone Ave, Toronto, ON M6J 3K7
(416) 766-2666

BA Custom Cabinets & Millwork
33972 Saintsbury Line, Lucan, ON NOM 2J0
226.304.2345

TNL Waste Bin Rental
669 Governors Rd E, Paris, ON N3L 3E1
(519) 717-0030

Atlantis Pools & Spas
23550 Highbury Ave N, London, ON N0M 1P0
(519) 471-2058

Cremation & Celebrations London
21574 Richmond St, Arva, ON N0M 1C0
(519) 963-4003

Savarino Brothers Garden Center
24670 Broadway Ave, Oakwood, OH 44146
(440) 439-5358




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